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Does being on the electoral roll affect your credit score?

Joining the electoral roll is more than just your ticket to voting in elections. It can play a part in improving your credit score, too. Let’s look at why it matters and how it all works.

The link between the electoral roll and credit scores

Being on the electoral roll serves as official proof of where you live. Lenders use this information to confirm your identity and address, making it easier for them to trust you with credit. Here’s why it helps:

  • Verification: being registered helps lenders check your identity quickly, reducing fraud risk.

  • Stability: it shows you have a stable residence, which is a positive sign for lenders.

  • Access to better credit deals: by adding credibility, it can lead to better loan and credit card offers.

How much will my credit score go up by being on the electoral roll?

It’s tricky to pin down an exact number. Credit reference agencies like Experian, Equifax and TransUnion consider lots of different things when calculating your score. While the electoral roll alone won't instantly transform your score, it forms a really important foundation that can help improve your overall creditworthiness.

Steps to register on the electoral roll

Registering is a simple and important way to maintain a healthy credit score. Just follow these steps:

  1. Visit the government website and head to the GOV.UK registration page

  2. Give your name, address, date of birth and National Insurance number

  3. Complete the online form and submit it

  4. Await confirmation from your local council that you’ve been added

Other ways to boost your credit score

Aside from using the electoral roll to your advantage, consider taking these additional actions to improve your credit score:

  • Pay bills on time, every time: set reminders or direct debits to make sure you don’t miss any payments.

  • Check your credit report: regularly reviewing your credit report for mistakes can help you spot any issues early. You can use services like Experian for guidance.

  • Manage credit responsibly: tools like Monzo Flex Build can help you manage credit responsibly, which can give your score a boost. (Monzo Flex Build 39% APR Representative (variable), 18+, credit subject to status.)


You’ll need a Monzo current account to apply for Flex Build. Eligibility criteria and Ts&Cs apply. UK residents & 18+ years olds only. Missed payments may negatively impact credit scores.

To open Flex Build, you may need to put down a one-time security deposit depending on your credit history.

Representative example: 39% APR representative (variable). £350 credit limit. 39% yearly interest (variable).